Get Cash in 12 Hours
No obligation process
No upfront hidden fees
All credit scores welcome
No credit impact eligibility check
TODAY APR RATES STARTING AT 0%
AuraOffers.com was created to help consumers access money without hassle and wasted time.
We understand emergencies exist that may require access to cash. That’s why we simplified the process of finding a lender to get the money you need. You no longer have to visit dozens of websites, fill out numerous requests or stand in line at a local store. We are not a lender, but submitting your information through our secure online form will help us connect you to one of the participating lenders in our network. The lenders we work with are willing to help you get the cash you need. Each lender in our network has made the approval process quick and easy, usually with no paperwork or forms to copy and fax, and a loan agreement that you can review and sign online.
We look forward to helping you with your personal lending needs.
Full Disclosure of Terms
The Truth in Lending Act requires full disclosure of all loan fees and interest rates.
Your lender should disclose all fees and rates to you before you accept your loan.
If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process.
Please take the time to read your loan agreement before accepting and signing it.
Late Payment Policy
Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.
Non-payment Policy
Additional fees or charges may apply in the event that you are unable to repay your loan.
AuraOffers.com tries to work with reputable lenders dedicated to using lawful,
fair and reasonable means to pursue collections of overdue accounts.
Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.
Loan Renewal Policy
Loan renewal policies are largely governed by state law. In states where rollovers are allowed,
additional interest and late fees can add substantial to your final loan amount,
so these should be avoided whenever possible. Find your state’s laws and regulations
governing rollovers and extensions from the list below. Read the lender’s terms in considering
renewal options before signing the loan agreement. Please note that this list is for informational
purposes only, is not intended to be legal advice, and may not be accurate or up to date at all times.
If you have a specific question about laws or regulations applicable to you,
please ask your lender directly or consult a legal adviser. Some states do not have any
lending statutory provisions pertaining to personal loans.
APR INFORMATION
Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate.
It relates to the amount and timing of value received by the consumer to the amount and timing of payments made.
We cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 0% up to 35%.
Loan products general have 61 Days minimum repayment term and a 84-month maximum repayment term.
Before accepting a loan from a lender within our network, please read the loan agreement
carefully as the APR and repayment terms may differ from what is listed on this site.
Short summary
APR :We offer APR rates ranging from 5.99% - 35% depends on the applicant’s financial history, assets, income, credit history, and other factors.
repayment term : Min 61 Days - Max 72 months.
Representative Example: If you borrowed $5,000 over a 48 month period and the loan had an 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total payback amount of $6,320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1,720.12. Representative 18.23% APR.
WHAT IS A PERSONAL LOAN FOR?
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, and more. Such a loan from one of our lenders can help you get the cash you need! Just fill out our Online Form. Follow the short process and if you are approved, receive your cash loan!
Why You Need loan?
Emergency is something that comes without any notification. With the current economy it is now
impossible to have a salary that can last up to the next pay day. There are some urgent
situations which require some immediate cash. This can be much worrying if you have not saved
any money in your bank account. There is no need to worry anymore since it is fast to apply
for loan. What you need to know is what these loans are and how effective they are. It is therefore
good to understand how they work and the expenses they attract among other details.
These loans are short term loans and appropriate for emergencies only. They are mostly suitable
when you urgently need money to pay in a later date. In many cases loans are intended for
emergencies and not for long term problems. The application process is very simple since all
that is required is to fill out a form and wait for a while for verification. The process of
acquiring loan is very efficient and very fast. It is even faster when applying online.Online
application has made the loan product available to a larger population. Due to how fast the
process is, the loan is also referred to as immediate loan, cash loan or an urgent loan.
For your application to go through, there are a few qualifications that you required to meet.
The qualifications are straight forward giving you a high possibility of being granted the
money you need. The normal things you may be required to fill in the application form should be
accurate. Giving inaccurate information will make your application fail. Nationality, age, a
secure job or a stable business are some of the qualifications that are checked on your
application form. The requirements facilitate a smooth process when borrowing a loan. Other
requirements that may be needed include credit score and other individual requirements. All the
personal information given is secure and well protected and only used for intended purposes.
*Interest 0-3% or APR 0-3% depends on credit score and the lender determines.
The purpose of shorter duration loans is to provide the borrower temporary financial relief.
Such loans are not a long-term financial solution. Persons facing serious financial
difficulties should consider other alternatives or should
seek out professional financial advice.
Repayment Terms
Loans include a minimum repayment plan of 61 Days and a maximum repayment plan of 84 months. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.
Lender-approval and loan terms will vary based on credit determination and applicable state law - they may offer loans with fixed rates from 5.99% to 35% APR.
APR INFORMATION
Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. We cannot guarantee any APR since we are not a lender ourselves. An APR can generally run between 5.99% up to 35%. Loan products general have 61 Days minimum repayment term and a 84-month maximum repayment term. Before accepting a loan from a lender within our network, please read the loan agreement carefully as the APR and repayment terms may differ from what is listed on this site.
Privacy Is Our Policy
Our company is committed to protecting your information. We use a 128-bit SSL encryption so the information you share on your request is protected. We treat your information like our own. Everyone wants to keep their information safe and secure, which is why we use the same security protocol to protect your information and our information.
Collection Practices
We have NO involvement in the debt collection process. As part of the lending agreement provided to you by the lender, they will disclose their debt collection practices. If you have any collection questions, please contact the lender for complete details. We only work with reputable lenders who use fair collection practices.
Late Payments Hurt Your Credit Score
Please
be aware that missing a payment or making a late payment can negatively impact your credit
score. To protect yourself
and your credit history, make sure you only accept loan terms that you can afford to repay. If
you cannot make a payment on time, you should contact your lender immediately and discuss how
to handle late payments.
(¹) – Five minutes is the average time taken to complete the online loan offer process, submit
your details and receive a loan offer decision if approved.
(²) – Sixty seconds is the average time it takes to receive a response from our system once you
have submitted your details for a loan offer decision.
Get
Started Now »
Contact Us
It is our goal to provide you with the fastest customer service. Questions that are directly related to any particular short term or online personal loan deal or an offer you have received should be directed to the lender that has made the offer or is associated with the deal. To protect your privacy, we do not have access to this type of information. On the other hand, if you have questions about this website or short term or online personal loans in general that are not explained on our FAQ page, please feel free to contact us by email. ([email protected])
Our Address: 1041 4th Avenue, Suite 302, Oakland, CA 94606
Our E-mail: [email protected]
Our Phone: 1 (855) 826-47-88
DISCLAIMER:This website forwards consumer registration to potential lenders. We are not a lender and do not broker loans. We do not make any loan or credit decisions. Participating lenders offer loans from $200 up to $5,000. We are not offering or soliciting you to receive a loan. Lenders do not provide loans to all states. Providing your information to this website does not guarantee that you will receive a loan offer. If you have any questions about your loan, please contact your lender directly. Credit checks may be performed with the three reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request, you are authorizing the lenders to independently verify your creditworthiness and the information you submitted. This service is not a solicitation for loan products and does not constitute a loan offer for any loan products that are prohibited by state law. This service is void where prohibited.
